Auto Loans · North Dakota
29 credit unions in North Dakota report car loan rates to the NCUA. Rates range from 1.95% to 9.00%.
Updated Q1 2026 · NCUA Call Report data
29
CUs Reporting Rates
1.95%
Lowest New Car Rate
5.14%
State Average Rate
18
Cities Covered
29 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | ASPIRE COMMUNITY MINOT | 1.95% | 6.00% |
| 2 | AFFINITY FIRST Minot | 1.95% | 6.00% |
| 3 | POSTAL FAMILY FARGO | 3.90% | 7.37% |
| 4 | TOWN AND COUNTRY MINOT | 3.93% | 4.23% |
| 5 | F.F.E. FARGO | 3.99% | 5.49% |
| 6 | MINOT AREA SCHOOLS MINOT | 4.50% | 4.50% |
| 7 | NORTHERN VALLEY Grand Forks | 4.50% | 5.50% |
| 8 | CAPITAL Bismarck | 4.74% | 4.74% |
| 9 | DAKOTA WEST WATFORD CITY | 4.75% | 4.69% |
| 10 | FARGO VA FARGO | 4.75% | 5.00% |
| 11 | FIRST COMMUNITY Jamestown | 4.99% | 5.74% |
| 12 | NORTH STAR COMMUNITY Maddock | 4.99% | 4.99% |
| 13 | RIVERFORK GRAND FORKS | 5.00% | 5.40% |
| 14 | TEL-U-WATT MINOT | 5.00% | 6.00% |
| 15 | CCE Fargo | 5.00% | 5.00% |
| 16 | MED PARK Grand Forks | 5.10% | 5.60% |
| 17 | NORTHERN STS PWR COMPANY EMP Grand Forks | 5.25% | 5.75% |
| 18 | RAILWAY MANDAN | 5.35% | 7.90% |
| 19 | HOMETOWN KULM | 5.63% | 6.10% |
| 20 | WESTERN COOPERATIVE Williston | 5.68% | 6.14% |
| 21 | DAKOTA PLAINS Edgeley | 5.73% | 7.52% |
| 22 | FARGO PUBLIC SCHOOLS Fargo | 5.85% | 6.35% |
| 23 | UNIVERSITY Grand Forks | 5.85% | 7.47% |
| 24 | VUE COMMUNITY BISMARCK | 6.00% | 8.00% |
| 25 | UNITED SAVINGS FARGO | 6.15% | 7.86% |
| 26 | COMMUNITY NEW ROCKFORD | 6.25% | 7.50% |
| 27 | AREA COMMUNITY GRAND FORKS | 6.50% | 8.25% |
| 28 | LAMOURE LAMOURE | 6.80% | 6.70% |
| 29 | LISBON FARMERS UNION LISBON | 9.00% | 9.00% |
29 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | TOWN AND COUNTRY MINOT | 4.23% | 3.93% |
| 2 | MINOT AREA SCHOOLS MINOT | 4.50% | 4.50% |
| 3 | DAKOTA WEST WATFORD CITY | 4.69% | 4.75% |
| 4 | CAPITAL Bismarck | 4.74% | 4.74% |
| 5 | NORTH STAR COMMUNITY Maddock | 4.99% | 4.99% |
| 6 | FARGO VA FARGO | 5.00% | 4.75% |
| 7 | CCE Fargo | 5.00% | 5.00% |
| 8 | RIVERFORK GRAND FORKS | 5.40% | 5.00% |
| 9 | F.F.E. FARGO | 5.49% | 3.99% |
| 10 | NORTHERN VALLEY Grand Forks | 5.50% | 4.50% |
| 11 | MED PARK Grand Forks | 5.60% | 5.10% |
| 12 | FIRST COMMUNITY Jamestown | 5.74% | 4.99% |
| 13 | NORTHERN STS PWR COMPANY EMP Grand Forks | 5.75% | 5.25% |
| 14 | ASPIRE COMMUNITY MINOT | 6.00% | 1.95% |
| 15 | AFFINITY FIRST Minot | 6.00% | 1.95% |
| 16 | TEL-U-WATT MINOT | 6.00% | 5.00% |
| 17 | HOMETOWN KULM | 6.10% | 5.63% |
| 18 | WESTERN COOPERATIVE Williston | 6.14% | 5.68% |
| 19 | FARGO PUBLIC SCHOOLS Fargo | 6.35% | 5.85% |
| 20 | LAMOURE LAMOURE | 6.70% | 6.80% |
| 21 | POSTAL FAMILY FARGO | 7.37% | 3.90% |
| 22 | UNIVERSITY Grand Forks | 7.47% | 5.85% |
| 23 | COMMUNITY NEW ROCKFORD | 7.50% | 6.25% |
| 24 | DAKOTA PLAINS Edgeley | 7.52% | 5.73% |
| 25 | UNITED SAVINGS FARGO | 7.86% | 6.15% |
| 26 | RAILWAY MANDAN | 7.90% | 5.35% |
| 27 | VUE COMMUNITY BISMARCK | 8.00% | 6.00% |
| 28 | AREA COMMUNITY GRAND FORKS | 8.25% | 6.50% |
| 29 | LISBON FARMERS UNION LISBON | 9.00% | 9.00% |
Most community credit unions in North Dakota accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.